profit from every $100 of sales.
$0$100
OppFi
$5.91-1.17% today
-39.9% in 1 year
1-year low $5.421-year high $11.38
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $32.18 for every $1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What OppFi sold, what it kept, and what it did with the cash.
Sales went from $453 million in 2022 to $597 million in 2025, with $26.3 million of profit last year.
SalesProfit
OppFi handed back 21% of the cash it generated last year.
$65M
Free cash flow 2025$382M
Bought back its own shares$16M
Paid as dividends$65M
Cash vs. debt$49M vs. $333M
OppFi vs. similar companies
OppFi grows the slowest of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| OppFi | 32.2× · Expensive | ||
 Visa | 33.4× · Expensive | ||
 Mastercard | 38.0× · Expensive | ||
 American Express | 19.7× · Fair price | ||
 Capital One Financial | 47.5× · Expensive |
AI analysis
An AI analyst reads OppFi's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 453 | 509 | 526 | 597 | |
| 358 | 402 | 421 | 497 | |
| 231 | 278 | 299 | 383 | |
| 245 | 291 | 309 | 388 | |
| 7 | -1 | 7 | 26 | |
| 0.05 | -0.06 | 0.36 | 0.99 | |
| 79.0% | 78.9% | 80.0% | 83.2% | |
| 51.1% | 54.6% | 56.8% | 64.1% | |
| 1.6% | -0.2% | 1.4% | 4.4% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 580 | 602 | 641 | 754 |
| Cash | 16 | 32 | 61 | 49 |
| Total debt | 364 | 349 | 332 | 333 |
| Total liabilities | 421 | 408 | 407 | 445 |
| -0 | 10 | 33 | 58 | |
| 84 | 16 | 20 | 27 | |
| 50.3% | 61.0% | 64.7% | 77.2% | |
| -1,436.8% | -9.6% | 22.1% | 45.0% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 243 | 296 | 324 | 401 | |
| 13 | 9 | 13 | 19 | |
| 230 | 287 | 311 | 382 | |
| Dividends paid | 1 | 10 | 45 | 65 |
| 2 | 0 | 4 | 16 | |
| 3 | 4 | 5 | 10 |
Valuation
- 32.2×
- 3.3×
- 0.19
- 8.2×
- 1.4×
- 2.2×
- 2.9×
- 45.1%
- 3.1%
- 0.0%
Profitability
- 83.2%
- 64.1%
- 4.4%
- 28.6%
- 79.2%
- 64.9%
- 134.3%
- 9.2%
- 32.5%
- –
Growth
- +9.7%
- +170.5%
- +23.0%
- –
- −32.0%
Financial health
- 0.7×
- 5.69
- 41.8%
- 7.7×
- 7.44
- 1.14
- 0.85
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 1%of 827
Top 10%of 709
Bottom 15%of 876
Top 44%of 879
Top 3%of 926
What analysts expect
- Average price target
- $7.25
- Range
- $3.00 – $13.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 7, 2026 | 0.35 | 0.33 | +6.1% |
| Mar 11, 2026 | 0.30 | 0.28 | +7.1% |
| Aug 6, 2025 | 0.45 | 0.30 | +50.0% |
| Aug 5, 2025 | -0.78 | 0.30 | −364.7% |
| May 7, 2025 | 0.38 | 0.26 | +46.2% |
| Mar 5, 2025 | 0.23 | 0.14 | +64.3% |
| Nov 7, 2024 | 0.33 | 0.21 | +57.1% |
| Aug 7, 2024 | 0.29 | 0.17 | +70.6% |
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
6/7Passes 6 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
76Pass
Benjamin Graham
28No pass
Philip Fisher
88Pass
Peter Lynch
81Pass
Joel Greenblatt
90Pass
Charlie Munger
83Pass
Terry Smith
81Pass
Questions about OppFi
Is OppFi a good stock to buy?
A business with weak numbers, but the price is high. 6 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the OppFi AI analysis
What does OppFi do?
OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream options. It is in Credit Services.
Does OppFi pay a dividend?
Yes. In 2025 it paid out $64.9 million in dividends.
Is OppFi stock halal?
No. OppFi does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has OppFi stock done over the past year?
Down 39.9% over the past twelve months, to $5.91. It traded between $5.42 and $11.38 and is 48.1% below its high.
Who are OppFi's competitors?
The largest listed companies in the same industry are Visa, Mastercard, American Express and Capital One Financial. The peers table on this page compares their profit, growth and price with OppFi's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.